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The 10 Best Home Care Agencies for Seniors in Round Lake Beach, IL for 2024

Round Lake Beach is a suburb of Chicago in Lake County. According to the 2020 census, the city is home to around 27,252 people. Approximately 8.3% of the city’s population is 65 and older. The area offers its older residents a small-town feel and access to top-rated medical facilities such as Northwestern Medicine Lake Forest Hospital. Seniors who require long-term care and prefer to remain in their homes can expect to pay around $5,672 per month for home care. This option consists of personal services performed in the home as well as help with tasks such as shopping and meal preparation. It does not include medical services.

Below we’ve compiled a comprehensive directory of every home care provider in the Round Lake Beach area – complete with services offered and reviews from families who’ve actually used the service. In addition to our in-depth provider listings, we’ve compiled resources to help seniors and their families to access all the tools they need to age in place safely and gracefully.

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Home Care Agencies in Round Lake Beach, IL

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Paying for Home Care in Round Lake Beach, IL

The Cost of Home Care in Round Lake Beach, IL

According to the 2021 Genworth Cost of Care Survey, the average cost of home care in Round Lake Beach is $5,672 per month, which is more than the state average of $5,339 and the national average of $4,957. Rockford seniors pay the state’s highest costs at $5,625, while seniors in Peoria pay an average of $5,053. Costs in Springfield are a little lower at $5,100, while Bloomington’s costs average only $4,053.

Round Lake Beach

$5,672

Illinois

$5,339

The United States

$4,957

Rockford

$5,625

Peoria

$5,053

Springfield

$5,100

Bloomington

$4,053

The Cost of Home Care vs. Other Senior Care Options in Round Lake Beach, IL

When searching for long-term care options, it’s helpful to understand the cost of other types of care. Home care in Round Lake Beach is $5,672 per month, while home health care is $5,720 and includes skilled nursing and medical care. Adult day health care is the least expensive option at $1,842. Seniors who choose assisted living pay around $4,825. A semiprivate room in a nursing home is the most expensive option at $6,996 per month.

Home Care

$5,672

Home Health Care

$5,720

Adult Day Health Care

$1,842

Assisted Living Facility

$4,825

Nursing Home Facility (semiprivate room)

$6,996

Note: Data for Round Lake Beach was unavailable, so data for the nearest city, Chicago, was used instead.

Financial Assistance for Home Care in Round Lake Beach, IL

Given the high cost of in-home care, many people use one or more forms of financial assistance to cover the expenses. Below, we explain some of the most common sources of financial help for paying for in-home care. If none of these options are available to you, you can reach out to your Area Agency on Aging or Aging and Disability Resource Center to learn about local resources.

  • Long-Term Care Insurance: Long-Term Care Insurance covers expenses related to senior care, including in-home care. Depending on the policy type, beneficiaries may receive a cash payment to use towards long-term care or reimbursement for qualifying long-term care expenses. Note that there are limitations- typically a maximum benefit of $150 per day- and exact coverage terms vary depending on the exact policy, so always check the details.
  • Medicare: Medicare does not cover in-home care because it is classified as custodial, or non-medical, care. However, some Medicare Advantage and Medicare Supplement plans, which offer expanded benefits, may cover in-home custodial care.
  • Medicaid: Medicaid coverage of in-home care varies between different states because it is not a federally mandated benefit. Currently, all states cover some in-home care either through their standard Medicaid or a waiver program. The specific coverage rules are set individually by each state.
  • Veterans’ Benefits: The Aid and Attendance benefit is a monthly cash payment that beneficiaries can use to pay for senior care, including in-home care services. To qualify for A&A, Veterans must already receive the VA pension and meet several additional requirements, including needing assistance with the activities of daily living.Contact the Department of Veterans Affairs to learn more.
  • Reverse Mortgages: Home Equity Conversion Mortgages (HECMs) are federally insured loans that are available to homeowners age 62 and over. Reverse mortgages allow you to access a portion of your home’s equity in cash, tax free. Many seniors use reverse mortgages to finance their care expenses, including in-home care. Note that although there are no monthly payments due on reverse mortgage loans, borrowers do have to repay the loan once the last surviving homeowner passes away, moves, or sells the home.

Free & Low-Cost Home Care Resources in Round Lake Beach, IL

Seniors who prefer to receive long-term care in their homes can get help with a wide range of services through public and private agencies. These services include everything from case management and insurance counseling to meals and transportation.

ResourceContactService
Round Lake Area Park District Senior Center(847) 546-8558The Round Lake Area Park District Senior Center provides a place for seniors to socialize with peers and take part in activities like bingo, birthday parties, monthly trips, and exercise and walking clubs. The center also offers a driver safety program and a lunch program for residents 50 and older.
Catholic Charities Lake County Senior Services(847) 546-5733The Catholic Charities Lake County Senior Services helps coordinate and implement programs and services to improve the quality of life of seniors in the county. The agency provides information on aging in place, facing the financial burden of health care and combating elder abuse.
Illinois Department on Aging(800) 252-8966The Illinois Department on Aging administers programs that encourage independence, dignity and a better quality of life. These programs include legal assistance, Medicare counseling, adult protective services and adult day services.
Illinois Long-Term Care Ombudsman(888) 401-8200The Illinois Long-Term Care Ombudsman educates seniors, family members and caregivers on elder rights in long-term care facilities. The ombudsman can assist with appeals regarding incorrect transfers, problems with billing and charges, and complaints about the quality of care in long-term care facilities.
Lake County Veterans’ Services(847) 377-2575The Lake County Veterans’ Service office helps men and women who’ve served in the military locate benefits and programs. For those in long-term care, the agency can help seniors apply for the Aid and Attendance benefit that reimburses the cost of home and community-based services.

Determining Your Loved One’s Need for In-Home Care

Aging can be a difficult process, and loved ones may not always ask for help – oftentimes it’s up to their family to evaluate their need for help around the house. While no two situations are exactly alike, this checklist can help you and your loved ones determine when it’s time to start the search for a home care provider.

Download
Checklist for determining the need for home care
Checklist for determining the need for home care

Guidelines for Talking About In-Home Care

If you’ve determined that your loved one needs the assistance of a care provider in their home, it may be time for a difficult conversation. Handled correctly, however, this process can bring a family together and ensure that everyone’s concerns are addressed. Use this PDF as a starting point to help the conversation stay as positive and productive as possible.

Download
Talking with Family and Others about a loved one's needs
Talking with Family and Others about a loved one's needs

Frequently Asked Questions

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The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

Caring.com

Caring.com is a leading online destination for caregivers seeking information and support as they care for aging parents, spouses, and other loved ones. We offer thousands of original articles, helpful tools, advice from more than 50 leading experts, a community of caregivers, and a comprehensive directory of caregiving services.

 

The material on this site is for informational purposes only and is not a substitute for legal, financial, professional, or medical advice or diagnosis or treatment. By using our website, you agree to the Terms of Use and Privacy Policy

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